Debt-payoff calculator
Estimate your debt-payoff date.
Enter your balance, APR, and monthly payment to estimate your payoff date and total interest. The estimate assumes a fixed rate, regular payments, and no new borrowing or fees.
You're debt-free in
3 yr 6 mo
42 months of steady payments.
Total interest paid
$4,770.23
Add $50.00/mo and finish in
3 yr
Nothing you type leaves your browser unless you ask for it by email below. Durations are estimates assuming a fixed balance, rate, and payment.
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Why this matters
See how a payment changes the estimate.
Seeing an estimated number of months — and how extra monthly payments change it — helps you compare a payment you can maintain with a faster payoff plan.
An extra payment applied to principal can reduce future interest. Check how your lender applies extra payments and whether fees or prepayment terms apply. Read our snowball and avalanche guide to compare which debt to tackle first.
Track your debt-payoff plan.
Connect supported accounts and enter each debt's APR and monthly payment in UniFi. Review estimated payoff dates as balances change.